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They also take into account all your unused credit limits. This is one reason why you should formally close any unused cards. The other reason being so that you can re-apply later!

From what you have said, you seem to have several cards which could mean that you can't get any more. However, I have no idea what your credit score is or what your income is. This is not the place for divulging personal information.

You could try closing any unwanted cards and allow a couple of months for the info to reach your report before having an exploratory chat in branch somewhere to see how the land lies.

Mike

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